Updated: May 13, 2026
Advertising & Editorial Disclosure
For high-risk drivers seeking affordable car insurance in Arizona, Root, Travelers and Progressive are the top contenders for minimum and full coverage.
Annual car insurance rates for high-risk drivers range from around $757 to $7,416.
To get the best deal on high-risk car insurance, choose the coverage you need, research average costs and discounts, and compare multiple providers to see who offers the best rates.
In our analysis, Travelers offers the most affordable high-risk car insurance options for young drivers, those with an accident, bad credit, or both bad credit and driving violations.
Auto-Owners is the best choice for senior drivers and those with a speeding ticket. Progressive provides the cheapest rates for drivers with a DUI.
| Travelers | Young Drivers | $56 |
| Auto-Owners Insurance Co | Senior Drivers | $49 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $51 |
| Travelers | Drivers With an Accident | $57 |
| Progressive | Drivers With a DUI | $54 |
| Travelers | Drivers With Bad Credit | $58 |
| Travelers | Drivers With Bad Credit And Driving Violations | $68 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Our earlier rate table covers the most affordable options, but rates vary by driver profile. Use the comparison table below to see rates from multiple providers side by side.
| Root Insurance Company | $98 | $1,181 |
| Travelers | $123 | $1,474 |
| State Farm | $158 | $1,901 |
| Progressive | $179 | $2,149 |
| GEICO | $183 | $2,198 |
High-risk car insurance costs in Arizona range from $63 to $646 a month, depending on your mix of pricing factors. Compare average pricing for your profile by filtering the table below.
| $79 | $945 | $0 | $0 | 0% |
If you're driving in Arizona and get a ticket, you might wonder how long it will increase your car insurance rates. Major driving violations, like DUIs or reckless driving, can change your rates for up to 10 years.
For a minor violation, your rates may go up for three to five years. Every insurance company has its own rules about this.
As a high-risk driver in Arizona, you'll pay more for car insurance and may have fewer options from standard insurers. What you know about your risk profile and which insurers to approach makes a big difference in what you end up paying.
Auto insurers consider these drivers high-risk:
Decide what coverage you need before comparing providers. A clear list of must-haves keeps you from overpaying for add-ons you don't need, like rideshare coverage or roadside assistance. Use our car insurance coverage calculator to figure out how much auto insurance you need.
Research the average rates for your driver profile and check what discounts you qualify for. State-approved defensive driving courses can cut premiums by up to 10%. That context gives you a more accurate read on what each policy costs.
Pay-per-mile and usage-based insurance programs can lower costs if you don't drive much or have a clean driving record. Some providers, including GEICO, offer telematics programs that track driving behavior. These can save you up to 30% on premiums.
Compare at least three providers before choosing a policy. Use independent brokers and online comparison tools, since prices vary across platforms. Make sure your quotes cover the same terms and coverage levels so the comparison holds up.
Car insurance companies can turn down applicants they consider too risky. If multiple insurers deny your application, you can get coverage through the Automobile Insurance Plan Service Office (AIPSO).
Monday to Friday, 8 a.m. to 4:30 p.m. PT
855-224-2247
(855) 224-7349
P.O. Box 6530
Providence, RI 02940-6530
Based on our research, the cheapest companies for high-risk insurance in Arizona are Root, Travelers and State Farm. While these are affordable options, you should do your own research to compare costs and find the best deal. If you are denied coverage, AIPSO offers a path to coverage when standard insurers won't approve you.
For high-risk drivers in Arizona, Auto-Owners offers the most affordable high-risk car insurance, with policies starting at $49.
If your application is denied, contact AIPSO to get coverage outside the standard market.
In Arizona, high-risk car insurance can cost 50% to 300% more than a policy for a driver (aged 30 to 59) with a clean record.
These figures are for drivers with good insurance scores. Drivers with poor scores may pay more.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state's minimum car insurance requirements.
All high-risk profiles are modifications of a base profile:
High-risk profiles assessed include young drivers, seniors and those with bad credit or a history of an accident, speeding ticket or DUI.
We also assessed combinations of these factors to keep rate comparisons accurate and relevant across driver profiles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
